Jump to content


  • Tweets

  • Posts

    • Birmingham council are wrong.   However, you probably left yourself open to this problem by not changing the keep details.  You should do this now.   Also are there any other lurking problems which could come up and bit you?  You should make proper arrangements to redirect post or to inform creditors etc. This is the kind of scenario where you end up getting backdoor CCJs which then become difficult to deal with
    • What do I need to send on SAR? Do you have an email from them ?    I have 1 year with them .  I ve been made some international transactions because I ve been buy a car and a house I was need to send monthly money . I m a self employed, so I earn my money by myself . I didnt do nothing wrong with them . When I open my account I let them know that I m self employed and I can prove that .   I m in a desperate situation as I m not having any money for my company that I just open to can run 
    • Birmingham City Council,  told me because the car is on my name I am responsible  for it and I can't have anyone take the blame.  
    • Send them on SAR immediately. Do it today. Read up on this forum and elsewhere on the Internet about crifas. How long have you had the account? Have you been having large sums of money going in or out recently – especially paid in cash? This kind of unexplained behaviour generally relates to something that triggers a suspicion that your account is being used for money laundering or some other kind of fraud. If that's what has happened then you will find it almost impossible to get information about it and also almost impossible to find out when your account might be made available to you. If a CIFAS marker has been applied to your account, the bank takes upon itself absently Draconian powers and you will scarcely even get any assistance from the FOS who quite frankly are simply a poodle to the financial services sector
    • In addition to dealing with the individual problems that this person is creating for you, you obviously need to deal with it holistically because there is a problem of identity fraud which may well continue and will certainly affect you and your family throughout your lives. Nobody should underestimate the seriousness of this kind of thing. Although people will commonly apply the label of "identity theft", what you are actually dealing with here is "identity fraud" and it is well understood in academic circles. The police were quite wrong to say that there was nothing they could do. I'm afraid that this reflects under-resourcing coupled with poor staff development and a poor attitude. There are offences being committed here and the girl herself is committing fraud contrary to sections 1(2a), & 2 of the Fraud Act 2006  https://www.legislation.gov.uk/ukpga/2006/35/contents   Of course the police will find it very difficult to do anything and given their resources, I suppose they have other priorities. However, you could be certain that if your family was related to the head of the local police force, they would be dealing with it PDQ. You say that this has been going on for a number of years – but you don't say how long. Maybe you had better give us a detailed account of what has happened. Please set out in a bullet pointed chronology so that we don't have too much narrative but a good structured idea of what has happened. This should include a list of the problems which have occurred and how they have been dealt with and also complaints which you have attempted to make. You definitely need to start taking this very seriously. How old is your daughter? In terms of opening mail, you should open every letter that comes to you and if you find that it is associated with this fraud, then you should photocopy it/scan it into a computer and start building up a file. I hope you have kept some of the correspondence and other documents which you might have received. Please let us know what you have. You are definitely going to have to start accumulating a robust file of evidence and I suggest that the first thing you do is you start sending SARs out to all of the organisations which have been involved and see if you can tease out of them any personal data that they might have which is apparently linked to you. Either they will provide you with a statutory disclosure – or, of course, it will be amusing if they say that they are more proof of your identity and that they won't let you have the disclosure because they are not satisfied that the data they have relates to you. I don't think you're in a position to make any serious complaint until you have put together a convincing file of evidence which shows that there is systematic identity fraud. We will help you to start to do this and help you to structure the file that you will put together and then we can begin to explore avenues to make a complaint. It also occurs to me that they could be a basis here for making a complaint under the Protection from Harassment Act 1997 although this would be an unusual application of the act – but we can have a look when you put together your file.  
  • Our picks

credit card dept 2002 statutory demand


Please note that this topic has not had any new posts for the last 4078 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

my partner had a statutory demand sent back in july for a credit card debt in 2002

i sent them the quoted letter in the earlier forums not acknowledging the debt but asking to see the original credit agreement as stated giving them the 12 days by law they had to respond to the letter

today 3 months later they have sent the agreement but no stat demand just asking for a pay ment agreement

what is the best course of action now with this matter

as i did no think they could legally chase us for this debt

Link to post
Share on other sites

HI Statute Barred is just that. So long as no payment or acknowledgement has been made in the intervening period, You can tell them to foxtrot oscar as they won't get a penny-end of

 

If they try another stat demand, you can get it set aside dead easily and get costs but I doubt they will.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

was 2002 when you last made a payment?

 

ida x

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

Link to post
Share on other sites

Hi ida

i have allready sent the first letter asking for the original credit agreement giving the the 12 day time limit

and yesterday they sent the agreement back 3 months after original request

Link to post
Share on other sites

Cap Quest debt recovery

thay are not now asking for the statortory demand they are now asking for some sort of payment and have put the account on hold untill 10 oct before it get sent to collections

 

i thought after this amount of time from 2002 that they could not do all this though

 

and also they did not send the aggreement within the legal time scale

does non of this matter

Link to post
Share on other sites
Cap Quest debt recovery

thay are not now asking for the statortory demand they are now asking for some sort of payment and have put the account on hold untill 10 oct before it get sent to collections

 

Unless you have that they won't be following through with the SD in writing, I wouldn't trust them one inch.

They can put the account on hold for as long as they like. It's Statute Barred

 

i thought after this amount of time from 2002 that they could not do all this though

 

They can't

 

and also they did not send the aggreement within the legal time scale

does non of this matter

 

Doesn't matter that they sent the agreement late. If it wasn't stat barred and the agreement was good then they could restart collections but as it's SB, they can do bu**er all.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

If no payment nor acknowledgement of any debt owing has been made in the last 6 years(5 years in scotland) the debt is Statute Barred and while they can ask you to pay they cannot persue enforcement action.

 

fox

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

so when they did statortory demand were they just bluffing then or can they still do this

how can i find out if it is statue barred for sure when i asked them to send me the credit agreement even though i stated i did not acknoledge the dept has this put me in a bad position

what shal i do now for best just ignore them or ??

Link to post
Share on other sites
so when they did statortory demand were they just bluffing then or can they still do this

 

They were probably bluffing

how can i find out if it is statue barred for sure when i asked them to send me the credit agreement even though i stated i did not acknoledge the dept has this put me in a bad position

 

Nope

what shal i do now for best just ignore them or ??

 

Don't ignore anything that looks legal, come here for advice.

 

I would just send the Statute Barred letter from here.

The Consumer Forums - Debt collectors

 

Letter 2.

 

It's up to them to prove it isn't Statute Barred, not you to prove it is.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

You need to think like this...DCAs will send out letters out of the blue many of them computer generated just to get a response and "bully" the account holder into making a payment.

 

SD/Court Action/Charging Orders/Bankruptcy are the common threats that get a response...and the way they like to do this is for you to call them...

 

As silverfox advocates the Statute Barred letter is the best response and its up to them to prove otherwise..by producing an agreement and contact record to prove otherwise over the past 6 years...until they do its goodbye Jo

Live Life-Debt Free

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...